High-low wagering game

ABSTRACT

In one embodiment of the invention, a card and dice game allows a player to bet on the outcome of a comparison of a numerical value determined by a roll of dice and another numerical value determined by a card drawn from a deck. The player wagers that the card value either will be higher or lower than the dice value. An optional secondary or “bonus” wager can be made after the dice are rolled, but before the card is drawn. The payout on the bonus wager has the potential of being a high multiple of the bonus bet amount, depending upon the dice value and the resulting probability that the upcoming card value will be greater or lower than the dice value.

FIELD OF INVENTION

This relates to gaming and card games. More particularly, this relates to methods and apparatuses for playing a new type of card game especially for use in casino gaming, both in electronic video and live table formats.

BACKGROUND

Wagering games are a prominent form of entertainment today. Gambling establishments, such as casinos, are appearing in every region. There are many wagering games, including bingo, roulette, card games such as poker and blackjack, and slot machines. Some people are attracted to wagering games because they experience a different feeling of excitement every time they bet in certain types of games. Also some people engage in gambling activities just for the sake of having fun.

Wagering activities include state lotteries; parimutuel betting on horses, greyhounds, and jai-alai; sports book-making; card games; keno; bingo; slot machines; video poker machines; video keno machines; video blackjack machines; and video roulette machines. These activities have grown greatly, especially when considering that most have only recently become legalized in many jurisdictions.

Casino gaming is a large part of the commercial gambling market. Customers gamble by playing slot machines or other games of chance (e.g., craps, roulette, baccarat) and some skill (e.g., blackjack, poker). Games usually have mathematically-determined odds that ensure the house has an advantage over the players at all times. This advantage is called the house edge. In games such as poker where players play against each other, the house takes a commission.

Casino-style gaming continues to grow in popularity, due in part to the rise in new casino destinations and the expansion of existing casino locales. A casino usually offers so-called banked games, i.e., where the house is banking the game and basically acting as a participant, and has a stake in who wins. On the other hand with a non-banked game, like the lottery, the operator does not care who wins.

For many players, the main goal of wagering games is recreation. However some players can become bored with any given game, at which point they likely will play that game less frequently. Thus there is a need for wagering games that are new, relatively simple to learn and play, and provide the excitement and interest necessary for entertainment.

SUMMARY OF THE ILLUSTRATED EMBODIMENTS

Broadly speaking, certain embodiments of the invention relate to a casino-style card and dice game wherein a player bets against the house or a dealer on the outcome of a comparison of a numerical value determined by a roll of dice and another numerical value determined by a card drawn from a deck. The player wagers that the card value either will be higher or lower than the dice value. An optional secondary or “bonus” wager can be made after the dice are rolled, but before the card is drawn. The payout on the bonus wager has the potential of being a high multiple of the wager, depending upon the numerical dice value and the resulting probability that the upcoming card value will be greater or lower than the dice value.

In one aspect, a first wager is established based upon a first prediction of either a first game outcome or a second game outcome. The first game outcome is a future card point value being less than a future die value. On the other hand the second game outcome is the future card point value being greater than the future die value. At least one die is rolled thereby generating a present die value. A card is dealt thereby displaying a present card point value. The first wager is paid (i.e., the player wins) if the present card point value is less than the present die value and if the first prediction is the first game outcome. Also, the first wager is paid if the present card point value is greater than the present die value and if the first prediction is the second game outcome.

In another aspect, rolling the at least one die comprises rolling two dice each having six faces numbered one to six, wherein the die value is a value between 2 and 12, inclusive. Also, dealing the card includes dealing the card from at least one standard deck of 52 playing cards, wherein each one of the plurality of cards has a point value between 1 and 13, inclusive.

In an alternative embodiment, the paying of the first wager if the present card point value is less than the present die value and if the first prediction is the first game outcome, includes paying the first wager at a first-level odds if the present card point value is other than a value of 1. Also the paying of the first wager if the present card point value is greater than the present die value and if the first prediction is the second game outcome, includes paying the first wager at the first-level odds if the present card point value is other than a value of 13.

However the first wager is paid at a second-level odds that is greater than the first-level odds if the present card point value is equal to 1 and if the first prediction is the first game outcome. Also, the first wager is paid at the second-level odds if the present card point value is equal to 13 and if the first prediction is the second game outcome. In one embodiment, the first-level odds is 1: 1, and the second-level odds is 3:2.

In yet another alternative embodiment, an option to establish a second wager is provided. This option is available after the rolling of the at least one die and prior to the dealing of the card. The second wager is paid if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the first game outcome. This second wager is paid out in accordance with a predetermined pay scale having a plurality of payout odds that vary as a function of the present die value. Also, the second wager is paid if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the second game outcome. The second wager likewise is paid out in accordance with the predetermined pay scale.

In yet another alternative embodiment, a first wager is established based upon a first prediction of one of a first game outcome and a second game outcome. The first game outcome is a future third card point value being less than a future combined card point value. The second game outcome is the future third card point value being greater than the future combined card point value. A first card is dealt from a first deck thereby displaying a first card point value between 1 and 6, inclusive. A second card is dealt from a second deck thereby displaying a second card point value between 1 and 6, inclusive. The sum of the first card point value and the second card point value is a present combined card point value. A third card is dealt from a third deck thereby displaying a present third card point value between 1 and 13, inclusive. The first wager is paid if the present third card point value is less than the present combined card point value and if the first prediction is the first game outcome. Also the first wager is paid if the present third card point value is greater than the present combined card point value and if the first prediction is the second game outcome.

In one aspect, the first deck and the second deck each comprises at least one each of an Ace card, a Two card, a Three card, a Four card, a Five card, and a Six card. Also, the first and second decks include no cards other than the at least one Ace card, the at least one Two card, the at least one Three card, the at least one Four card, the at least one Five card, and the at least one Six card. Finally, the third deck comprises at least one standard deck of 52 playing cards.

There are additional aspects to the present inventions. It should therefore be understood that the preceding is merely a brief summary of some embodiments and aspects of the present inventions. Additional embodiments and aspects are referenced below. It should further be understood that numerous changes to the disclosed embodiments can be made without departing from the spirit or scope of the inventions. The preceding summary therefore is not meant to limit the scope of the inventions. Rather, the scope of the inventions is to be determined by appended claims and their equivalents.

BRIEF DESCRIPTION OF THE DRAWINGS

These and/or other aspects and advantages of the present invention will become apparent and more readily appreciated from the following description of certain embodiments, taken in conjunction with the accompanying drawings of which:

FIG. 1 is a simplified diagram of a playing table layout 102 according to one embodiment of the invention;

FIG. 2 is an enlarged view of a predetermined pay scale chart of FIG. 1;

FIG. 3 a is an enlarged view of one of the plurality of individual playing areas of FIG. 1;

FIG. 3 b is an enlarged view of another individual playing area according to an alternative embodiment of the invention;

FIG. 4 a is a simplified flow diagram illustrating certain of the steps performed in playing a wagering game according to one embodiment of the invention;

FIG. 4 b illustrates a substitute for one of the steps in FIG. 4 a, thus illustrating certain of the steps performed in playing a wagering game according to an alternative embodiment of the invention;

FIG. 5 is a simplified flow diagram illustrating certain of the steps performed in playing a wagering game according to yet another alternative embodiment of the invention;

FIG. 6 is a simplified flow diagram illustrating certain of the steps performed in playing a wagering game according to yet another alternative embodiment of the invention;

FIG. 7 a is a simplified flow diagram illustrating certain of the steps performed in playing a wagering game according to yet another alternative embodiment of the invention;

FIG. 7 b illustrates a substitute for one of the steps in FIG. 7 a, thus illustrating certain of the steps performed in playing a wagering game according to yet another alternative embodiment of the invention;

FIG. 8 is a simplified flow diagram illustrating certain of the steps performed in playing a wagering game according to yet another alternative embodiment of the invention;

FIGS. 9 a and 9 b are a simplified flow diagram illustrating certain of the steps performed in playing a wagering game according to yet another alternative embodiment of the invention;

FIGS. 10 a, 10 b and 10 c are a simplified flow diagram illustrating certain of the steps performed in playing a wagering game according to yet another alternative embodiment of the invention;

FIGS. 11 a and 11 b are a simplified flow diagram illustrating certain of the steps performed in playing a wagering game according to yet another alternative embodiment of the invention; and

FIG. 12 is a simplified functional block diagram of a computer according to an embodiment of the invention.

DETAILED DESCRIPTION

The following description is of the best mode presently contemplated for carrying out the invention. Reference will be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to like elements throughout. It is understood that other embodiments may be used and structural and operational changes may be made without departing from the scope of the present invention.

Embodiments of the invention include a wagering game that uses one or more standard decks of playing cards (with 52 cards per deck) and two regular, six-sided dice. A player places a first bet corresponding to his/her prediction of whether a future numerical value of a card to be drawn from the decks will be higher or lower than a future numerical value of the dice to be rolled or thrown. This bet is designated simply as a “high” or “low” bet, respectively. The dice are then thrown or rolled on a surface until they come to rest so that each die exposes a number on an exposed face of the die. The numbers of each die are added to provide a present die value between 2 and 12, inclusive.

According to this embodiment, before the card is drawn from the decks, the player (who now has knowledge of the numerical value of the dice) can optionally place a second or “bonus” bet. If the player bet “high” on the first bet, then any bonus bet will be designated as “high,” if he/she is going to place this bonus bet at all. Similarly, if the first bet was “low”, then any optional, bonus bet also will be designated as “low.” Any payout on the bonus bet will be pursuant to a predetermined pay scale and will vary depending upon the numerical value of the dice that were thrown and the probability that the card value will be lower or greater than the dice value.

After the player has decided whether and how much to bet on the bonus bet, and after having placed any such bonus bet on the table, the dealer deals a card face up from the decks thereby displaying a present, card point value. The point value of the card is compared with the value of the previously-thrown dice to determine any winnings. That is, if the present card point value turns out to be less than the present dice value, the player will win if his/her first bet was a “low” bet. This “low” bet corresponds to the player's prediction that a future numerical card value would be lower than a future numerical dice value. Otherwise, the player loses the first bet as well as the bonus bet if one was made. On the other hand, if the present card point value turns out to be greater than the present die value, the player will win if the first bet was a “high” bet. Otherwise the player loses. The amount of any winnings will depend upon the amount of the first bet, as well as upon whether a bonus bet was placed and the amount thereof. As previously mentioned, the payout for the bonus bet varies and is determined according to the odds shown on the predetermined pay scale.

FIG. 1 is a simplified diagram of a playing table layout 102 according to one embodiment of the invention. The layout 102 includes a dice cup 104 for shaking or rolling one or more dice, a dealer's chip tray 106 for organizing and holding the dealer's chips, a standard six to eight-deck card shoe 108 for drawing a card during play, and a discard collection tray 110 for holding the used cards after they have been drawn during play. A pay scale chart 112 is disposed adjacent to the chip tray 106 and provides information to the player relating to the amount of any winnings (i.e., the payout odds) associated with a bonus bet. Around the perimeter of one edge of the table surface are a plurality of individual player betting areas 114 for use by the players in designating the nature and amounts of their bets.

FIG. 2 is an enlarged view of the predetermined pay scale chart 112 of FIG. 1, according to one embodiment of the invention. The pay scale chart 112 includes a top row 118 that sets forth a schedule of pay-out winnings or odds for a “high” bet as a function of the dice value, and a bottom row 120 that sets forth a similar schedule, but for use for a “low” bet. The pay scale chart 112 further includes a middle row 122 that sets forth the dice values that correlate with the payout odds for a winning bonus bet. The use of the pay scale chart 112 will be described in further detail below.

FIG. 3 a is an enlarged view of one of the plurality of individual playing areas 114 of FIG. 1. The playing area 114 includes a “high” bet location 116, a “low” bet location 118, and a “bonus” bet location 120. Thus in placing the first bet, a player sets his/her wager in either the “high” bet location 116 or the “low” bet location 118. This signals to the dealer that the player is predicting that a future card point value will be higher or lower, as the case may be, than a future dice value. The “bonus” bet location 120 is used when a player desires to make an optional, bonus bet, which according to one embodiment is a bet that is made after the dice is rolled, but before the card is drawn from the deck. If a bonus bet is desired, the player places a second wager in this “bonus” bet location 120. The second wager can be in the same amount as the first wager or in a different amount.

FIG. 3 b is an enlarged view of another individual playing area 122 according to an alternative embodiment of the invention. This playing area 122 includes a “high” bet location 124, a “low” bet location 126, and a “bonus” bet location 128. The “high” and “low” bet locations 124, 126 are used in the same manner as described for the “high” and “low” bet locations 116, 118 of FIG. 3 a. However, the “bonus” bet location 128 of FIG. 3 b is divided into a “high bonus” bet location 130 and a “low bonus” bet location 132. This can be used when playing a wagering game according to an alternative embodiment of the invention wherein a player's first bet of “high” or “low” does not control the ‘high” or “low” nature of the bonus bet. For example, a player can make a first bet as a “high” bet and place a first wager in the “high” bet location 124. After observing the roll of the dice, this player can optionally place and designate a bonus wager as a “low” bonus wager by placing a second wager in the “low bonus” location 132. Thus in this example the player is splitting his/her bet by betting “high” on the first bet and betting “low” on the bonus bet. As will be explained in further detail below, this has the effect of allowing the player to “hedge” his/her bets to some degree.

While FIGS. 1-3 a, 3 b illustrate a table layout 102 according to certain embodiments, it will be appreciated that alternative table layouts and arrangements can be used without departing from the spirit of the inventions. The illustrated table layout 102 is just one of many arrangements that can be employed to facilitate the placement of wagers by one or more players so that their game predictions, their exercise of bonus bet options and the amount of the wagers can be quickly and easily determined by the casino dealer as well as the players.

FIG. 4 a is a simplified process flow diagram of a method of playing a wagering game according to one embodiment of the invention. This is relatively simple way to play this novel wagering game in that there is no bonus or second wager option. In this embodiment, a first random number is generated with dice, and a second random number is generated with cards. The dice comprise two, standard dice, each having six faces numbered 1 to 6. Thus when the two dice are thrown, a generally random dice number between 2 and 12, inclusive, will be generated by adding the values of both dice. The cards comprise at least one standard deck of 52 playing cards, i.e., wherein a deck includes four suits of cards with each suit having cards with face designations or indicia associated with point values of 2 through 10, as well as a Jack, Queen, King and Ace. Thus when a card is drawn from at least one properly shuffled deck, a generally random card number between 1 and 13, inclusive, will be generated according to a point value assigned to the card face indicia of each card as set forth in the following chart:

Card Face Indicia Assigned Point Value Ace 1 Two 2 Three 3 Four 4 Five 5 Six 6 Seven 7 Eight 8 Nine 9 Ten 10 Jack 11 Queen 12 King 13

Still referring to FIG. 4 a, at the start of the game a player decides whether to bet “high” or “low” and places a first wager on the betting table at a location on the table that designates the nature of the player's decision. (Step 402) For a betting table having the layout as shown in FIGS. 1-3 a, the wager would be placed in the high bet location 116 for a “high” bet or in the low bet location 118 for a “low” bet. This wager amounts to a prediction by the player of one of two game outcomes, i.e., either a future card point value will be less than a future dice value (a “low” bet) or the future card point value will be greater than the future dice value (a “high” bet). Next the two dice are rolled thereby generating a present dice value which is observed by the player. (Step 404) This present dice value will be a value between 2 and 12, inclusive, as determined by adding the values of the two dice. Then a single card is dealt face up from one or more decks of cards thereby displaying a present card point value, which will be a value between 1 and 13, inclusive, as determined by the above chart. (Step 406) The present card point value is compared with the present dice value, and a determination is made whether the present card point value is higher than the present die value, lower than the present die value or tied with the present die value. (Step 408)

If the present card point value is lower than the present dice value, then a determination is made whether in step 402 the player had made a “low” bet, i.e. a prediction by the player that a future card point value will be lower than a future dice value. (Step 410) If the player had bet “low,” then the wager is paid, i.e., he/she wins the wager. (Step 412) In such event, the payout to the player would be at an odds of 1:1, i.e., for example for every one dollar that was wagered in step 402, the player would receive two dollars—representing the one dollar that the player initially wagered along with another one dollar paid as winnings. Returning to step 410, if on the other hand the player had not bet “low” (in other words, the player in fact had bet “high”), then the wager is taken, i.e., the player loses the wager. (Step 414)

Returning now to step 408, if on the other hand the present card value turned out to be higher than the present dice value, then a determination is made whether in step 402 the player had made a “high” bet, i.e., a prediction by the player that a future card point value will be higher than a future dice value. (Step 416) If the player did bet “high,” then the wager is paid and the player receives a payout at 1:1. (Step 418) If on the other hand the player did not bet “high” (in other words, he/she in fact had bet “low”), then the wager is taken or lost. (Step 414) Returning again to step 408, if on the other hand there is a tie, i.e., the present card value is equal to the present dice value, then the wager is taken under those conditions as well. (Step 414)

The embodiment of FIG. 4 a involves a game outcome prediction relating to whether a card point value will be higher or lower than a dice point value. In an alternative embodiment however this is reversed. That is, the player bets on a game outcome prediction relating to whether a dice point value will be higher or lower than a card point value. In this embodiment, the steps of FIG. 4 a are generally the same. However in step 402, the difference is that a player's “low” bet amounts to a prediction that a future dice value will be less than a future card point value, and a “high” bet amounts to a prediction that the future dice value will be greater than the future card point value. Also in this alternative embodiment, the decision step 408 of FIG. 4 a is replaced by decision step 424 shown in FIG. 4 b wherein the present card point value is compared with the present dice value, and a determination is made whether the present dice value is higher than the present card point value, lower than the present card point value or tied with the present card point value. In yet a further alternative embodiment, not only is the decision step 424 of FIG. 4 b substituted, but also the order of performing steps 404 and 406 of FIG. 4 a are reversed so that the card is dealt prior to the dice being rolled.

FIG. 5 illustrates yet a further alternative embodiment of a method of playing a wagering game. This embodiment is similar to that of FIG. 4 a, but differs with respect to the effect of a tie and the amount of a winning bet. In the embodiment of FIG. 4 a, the player loses the bet if there is a tie, i.e., if the present card point value is the same as the present dice value. In the embodiment of FIG. 5 on the other hand, the player's bet is returned to him/her (but without any winnings) if there is a tie. However as a trade-off, any winnings associated with a correct “high” or “low” prediction will be reduced by a given commission (percentage of fixed fee) to be paid to the house. Thus steps 502 through 508 of FIG. 5 are generally the same as the corresponding steps of FIG. 4 a and need not be repeated here.

Still referring to FIG. 5, if the present card value is lower than the present dice value (as determined in step 508), then a determination is made whether the player had made a “low” bet. (Step 510) If the player had bet “low,” then he/she wins the wager. (Step 512) In such event, the payout to the player would be at a payout odds of 1:1 which such return would be reduced by or minus a commission to be paid to the house, i.e., for example, for every one dollar that was wagered in step 502, the player would receive back two dollars minus the commission. Returning to step 510, if on the other hand the player did not bet “low,” then the wager is lost. (Step 514)

Similarly if the present card value is higher than the present dice value (as determined in step 508), then a determination is made whether the player had made a “high” bet. (Step 516) If the player did bet “high,” then he/she wins the wager with the payout being at 1:1 odds minus the commission to be paid to the house. (Step 518) Returning to step 516, if on the other hand the player did not bet “high,” then the wager is lost. (Step 520) Returning again to step 508, if however the present card value equals the present dice value (i.e., a tie), then the player's bet is returned to him/her, albeit without any winnings. (Step 522) As previously mentioned, this is in contrast to the results of a tie in the embodiment of FIG. 4 a wherein the player's bet is taken.

FIG. 6 illustrates a method of playing a wagering game according to yet another embodiment of the invention. This embodiment is similar to that of FIG. 4 a, but differs with respect to the payout odds. In the embodiment of FIG. 4 a, a winning payout is the same regardless of the point value of the card that is drawn. On the other hand the embodiment of FIG. 6 involves the use of a first-level odds payout and a higher, second-level odds payout. This second-level odds is awarded if the card point value is 1 (e.g., an Ace) for a “low” bet or if the card point value is 13 (e.g., a King) for a “high” bet. For other winning card point values, however, the lower, first-level odds are used. In one embodiment, the first-level odds are 1:1, whereas the second-level odds are 3:2—i.e., for example, for every 2 dollars that are wagered under a 3:2 payout odds, the player would receive back 5 dollars—his/her original 2 dollars plus a winnings in the amount of 3 dollars.

Referring still to FIG. 6, steps 602 through 608 are essentially the same as the corresponding steps in the embodiment of FIG. 4 a and need not be repeated here. If in step 608 it is determined that a present card point value is less than a present dice value, then a determination is made whether a player had bet “low.” (Step 610) If the player had not bet “low,” then the bet is lost. (Step 618) On the other hand if the player had bet “low,” then a determination is made whether the present card point value is value of 1 (e.g., an Ace). (Step 612) If the present card point value in fact is an Ace, then the player wins the bet which is paid at the higher, second-level odds, and which in this embodiment is a payout odds of 3:2. (Step 616) On the other hand if the present card point value is other than a 1, then the player still wins. However he/she wins a payout at the lower, first-level odds, which in this embodiment is 1:1. (Step 614)

On the other hand if in step 608 it is determined that the present card point value is higher than the present dice value, then a determination is made whether the player had bet “high.” (Step 620) If the player had not bet “high,” then the bet is lost. (Step 618) On the other hand if the player had bet “high,” then a determination is made whether the present card point value is value of 13 (e.g., a King). (Step 622) If the present card point value in fact is 13, then the player wins a payout at the higher, second-level odds of 3:2. (Step 626) On the other hand if the present card point value is other than 13, then the player still wins, but the payout is at the first-level odds of 1:1. (Step 624) Finally, if in step 608 it is determined that the present card point value is the same as the present dice value (a tie), then the player loses the bet. (Step 618)

FIG. 7 a illustrates yet another embodiment of a method of playing a wagering game. Unlike some of the previously-described embodiments, this involves the making of a first bet as well as an optional second, or “bonus,” bet. The first bet is essentially the same as some of the previously-described embodiments, i.e., a bet on whether a future card point value will be higher or lower than a future dice value. However after the dice are rolled but before a card is drawn from the deck, the player, who now has knowledge of the dice value, has an option of placing the second or bonus bet on whether a future card point value will be higher or lower than the present, known dice value. If the first bet was a “high” bet, then any bonus bet also must be a “high” bet. Similarly if the first bet was a “low” bet, then any bonus bet also must be a “low” bet. While a winning first bet will be at a fixed payout odds, such as for example 1:1, a winning bonus bet will involve payout odds that vary according to the amount of the present dice value and the probability that the present card point value will be higher or lower than the dice value, as the case may be. As will be discussed further below, a predetermined pay scale chart, such as the pay scale chart 112 of FIG. 2 for example, provides the payout odds as a function of a present die value and is displayed to the player for his/her consideration when deciding whether to place a bonus bet and how much to wager.

Still referring to FIG. 7 a, a player decides whether to bet “high” or “low” and places a first bet on the betting table at a location on the table that designates the nature of his/her decision. (Step 702) Next, two dice are rolled thereby generating a present dice value between 2 and 12, inclusive, which is observed by the player. (Step 704) With knowledge of the present dice value and upon consideration of a potential payout according to the predetermined pay scale, the player then decides whether or not to make a second (or bonus) bet, and if so, places the wager at the appropriate location on the playing table. (Step 706) In the case of the table layout 102 of FIGS. 1-3 a, the bonus bet would be placed in the bonus bet location 120 of FIG. 3 a, thus indicating to the dealer that the player has opted to make a bonus bet and the amount of the bet. As previously mentioned, if the player's first bet was a “high” bet then any bonus bet also must be a “high” bonus bet. Similarly, if the player's first bet was a “low” bet, then any bonus bet also must be a “low” bonus bet.

After the decision has been made whether to make a bonus bet and after any such bonus wager has been placed on the table, a card is dealt from the deck, thereby displaying a present card point value between 1 and 13, inclusive. (Step 708) The present card point value is compared with the present dice value, and a determination is made whether the present card point value is higher than, lower than, or tied with the present die value. (Step 710) If the present card point value is lower than the present dice value, then a determination is made whether the player had bet “low.” (Step 712) If the player had not bet “low,” then the first bet is lost and any bonus bet that might have been made is lost as well. (Step 714) On the other hand if the player had bet “low,” then a determination is made whether he/she had made a bonus bet. (Step 716) If the player had not made a bonus bet, then he/she nevertheless wins on the first bet at a fixed payout odds, such as for example, an odds of 1:1. (Step 720) On the other hand, if the player did make a bonus bet in addition to the first bet, then he/she wins on the first bet at the fixed payout odds for that bet and additionally wins the bonus bet that is paid out according to the predetermined pay scale that has a plurality of payout odds that vary as a function of the present dice value. (Step 718)

Referring now to the pay scale chart 112 of FIG. 2, an explanation will be provided relating to how a winning bonus bet payout is determined according to one embodiment of the invention. As previously mentioned, the pay scale chart 112 includes a top row 118 and bottom row 120. The top row 118 sets forth a schedule of pay-out odds for a “high” bet as a function of the dice values. The bottom row 120 sets forth a different schedule, but for use for a “low” bet as a function of the dice values. The chart 112 further includes a middle row 122 that sets forth the dice values to be associated with the various payout odds for “high” and “low” winning bonus bets. Thus for example, if the player's first and bonus bets were “high” bets, then the top row controls the payout. If in this example the present dice value was 9 and assuming the present card point value turned out to be higher than 9, then the bonus bet payout to the player would be at an odds of 2:1 as shown on the top row 118 of the pay scale chart 112—i.e., for example, for every dollar wagered as a bonus bet, the player would get 3 dollars in return—the original dollar that was bet as well as an additional 2 dollars winnings.

The top row 118 of the pay scale chart 112 reflects the fact that as the present dice value increases, the probability that an upcoming card point value will exceed that dice value decreases, and thus the odds that a “high” bet will be a winning bet are correspondingly reduced. However if it does turn out that the “high” bet is a winning bet under those circumstances, the payout is correspondingly greater. Thus at one extreme, if for example a present dice value is the maximum value of 12 (assuming 2, standard dice are used) and the player had bet “high,” then the likelihood of drawing a card having a value of 13 is quite low when using one or more standard decks of cards. On the other hand, if one happens to win such a hand, the payout odds are quite high at 11:1, as shown in the top row 118.

At the other extreme, if for example the present dice value is the minimum value of 2 and the player had bet “high,” then the likelihood of drawing a card having a value of 3 or more is quite good. But if one wins such a bet, then the payout odds are quite low at 1:11—i.e., for example for every 11 dollars bet as a bonus bet, the player would get 12 dollars back: his/her original 11 dollars along with 1 additional dollar as the winnings. A similar approach is used for “low” first and bonus bets, except that the bottom row 120 of the pay scale chart 112 is used for determining the payout odds as a function of the dice value.

It should be emphasized that the decision regarding whether or not to make a bonus bet (and the amount thereof) is made after the dice are rolled and the present dice value is known, but before the card is drawn. Also the decision is made knowing that the player's first bet has already been made as a “high” or a “low” bet and that any bonus bet must have the same “high” or “low” status. Thus upon learning the present dice value, a player can review the applicable top row 118 (for “high” bets) or bottom row 120 (for “low” bets) of the pay scale chart 112 and consider what his/her bonus payout would be in the event that the upcoming card value turns out to be higher or lower than the dice value, as the case may be. It is believed that such a novel bonus betting scheme will provide a compelling motivation for many players to make a bonus bet and will generate heightened interest in the game. If the present dice value reflects a high probability of having a winning bet, many players likely will opt to make a bonus bet notwithstanding that the payout odds are relatively low. On the other hand if the present dice value reflect a low probability of having a winning bet, many players may still opt to place a bonus bet due to the motivation associated with realizing a large payout odds, such as for example payout odds of up to 11:1. While the pay scale chart 112 of FIG. 2 illustrates one schedule of payout odds, it will be appreciated that other embodiments of the invention can employ different schedules of payout odds. These other schedules may vary depending upon the degree of house advantage desired and the numerical ranges of the dice values and/or card values being used in the game, including whether non-standard dice or non-standard cards are being used.

Referring again to FIG. 7 a, and more particularly to step 710, if on the other hand the present card point value is higher than the present dice value, then a determination is made whether the first bet was a “high” bet. (Step 722) If the first bet was not “high” (in other words, the player had bet “low”), then the first bet is lost as well as any bonus bet that might have been made. On the other hand if the first bet was a “high” bet, then a determination is made whether the player had made a bonus bet. (Step 716) If the player had not made a bonus bet, then he/she nevertheless wins on the first bet at the fixed payout odds. (Step 720) On the other hand if the player did make a bonus bet in addition to the first bet, then he/she wins on the first bet at the fixed payout odds for that bet and additionally wins the bonus bet that is paid out according to the pay scale chart as described above. (Step 718) Finally, if in step 710 it is determined that the present card point value equals the present dice value (i.e., a tie), then the first bet is taken, but any bonus bet that might have been made is returned to the player, albeit without any winnings. (Step 726)

The embodiment of FIG. 7 a involves a game outcome prediction relating to whether a card point value will be higher or lower than a dice point value. In an alternative embodiment, this is reversed. That is, a player places a bet on a game outcome prediction relating to whether a dice point value will be higher or lower than a card point value. In this embodiment, the steps of FIG. 7 a are generally the same. However in step 702, one difference is that a player's “low” bet amounts to a prediction that a future dice value will be less than a future card point value, and a “high” bet amounts to a prediction that the future dice value will be greater than the future card point value. Also in this alternative embodiment, the decision step 710 of FIG. 7 a is replaced by the decision step 728 of FIG. 7 b wherein the present card point value is compared with the present dice value, and a determination is made whether the present dice value is higher than the present card point value, lower than the present card point value or tied with the present card point value. Another possible difference between the embodiments may be the desirability of using a different pay scale chart that is for bonus bet payouts and that reflects the different ranges in dice and card values and the different probabilities of having a winning “high” or “low” bet.

FIG. 8 illustrates yet a further alternative embodiment of a method of playing a wagering game. This embodiment is similar to that of FIG. 7 a, but differs with respect to the effect of a tie and the amount of a winning bet. In the embodiment of FIG. 7 a if there is a tie, any bonus bet is returned to the player, but he/she loses the first bet. In the embodiment of FIG. 8 on the other hand, both the first bet and any bonus bet are returned to the player (but without any winnings) if there is a tie. However as a trade-off, any winnings for the first bet associated with a correct “high” or “low” prediction will be reduced by a given commission (percentage or fixed fee) to be paid to the house. Thus with the exception of steps 818, 820 and 826 of FIG. 8, the other steps of that figure are generally the same as the corresponding steps of FIG. 7 a and need not be repeated here.

At step 818 (after it was determined that the player has a winning “high” or “low” bet and had made a bonus bet), the payout to the player for the first bet is at the fixed odds (such as for example the odds of 1:1) less the commission to be paid to the house. Also in step 818, the payout includes a bonus bet payout in an amount that is determined according to the predetermined pay scale (but not less any commission). At step 820 (after it was determined that the player has a winning “high” or “low” bet but had not made a bonus bet), the payout to the player is for the first bet only, but at the fixed odds and minus the commission to be paid to the house. At step 826 (after it was determined that the present card point value equals the present dice value, i.e., a tie) the first bet is returned to the player and any bonus bet that might have been made is likewise returned to the player. As previously mentioned, this is a distinction with the embodiment of FIG. 7 a wherein at step 726 (as a result of a tie) only the bonus bet, if any was made, is returned to the player, whereas the first bet is taken.

FIGS. 9 a and 9 b illustrate yet a further alternative embodiment of a method of playing a wagering game. This embodiment is somewhat similar to the embodiment of FIG. 7 a in that a bonus bet option is provided in addition to a first bet. (Also as before, any bonus bet must have the same “high” or “low” bet status as the first bet.) However in the embodiment of FIGS. 9 a and 9 b, a higher, second-level odds payout is awarded for the first bet if an Ace (or 1) card value is drawn on a winning “low” first bet or if a King (or 13) card value is drawn on a winning “high” first bet. Otherwise, winning “high” or “low” first bets are paid at a lower, first-level odds payout. The second-level payout odds are 3:2 and the first-level payout odds are 1:1. (In other embodiments however other first and second level payout odds can be used.) Winning bonus bet payouts are pursuant to a predetermined pay scale in a manner that is similar to that described for the embodiment of FIG. 7 a and regardless of whether or not a King or Ace was drawn.

Referring still to FIGS. 9 a and 9 b, steps 902 through 908 are generally the same as the corresponding steps 702-708 of FIG. 7 a, and thus it is not necessary to repeat them again here. At step 910 (after the card is drawn), the card point value is compared with the dice value and a determination is made whether the card point value is higher than, lower than or tied with the dice value. (Step 910) If the card point value is lower, then a determination is made whether the player had made a “low” first bet. (Step 912) If the first bet was not a “low” bet, then the first bet is lost along with any bonus bet that might have been made. (Step 914) On the other hand if the first bet was a “low” bet, then a determination is made whether a bonus bet also was made. (Step 916) If a bonus bet was not made, then a determination is made whether the present card point value is 1 (i.e.,an Ace). (Step 918) If this value is a 1 then the winning “low” bet is paid out at the higher, second-level odds of 3:2. (Step 920) On the other hand if the present card value is other than a 1 (Ace), then the player's “low” bet still is a winning bet, however the payout is at the lower, first-level odds of 1:1. (Step 922)

If in step 916 it is determined that a bonus bet was made, then once again a determination is made whether the present card value is 1 (Ace). (Step 924) If this value is a 1 then the winning “low” first bet is paid out at the higher, second-level odds of 3:2 and the bonus bet is paid out pursuant to the predetermined pay scale in a similar manner to that described above in connection with the embodiment of FIG. 7 a. (Step 926) On the other hand if the present card value is other than a 1 (Ace), then the player's “low” bet is paid at the lower, first-level odds of 1:1, and the bonus bet is paid pursuant to the predetermined pay scale. (Step 928)

Referring again to step 910, if the present card point value is higher than the present dice value, then a determination is made whether the player had made a “high” first bet. (Step 930) If the first bet was not a “high” bet, then the first bet is lost along with any bonus bet that might have been made. (Step 932) On the other hand if the first bet was a “high” bet, then a determination is made whether a bonus bet also was made. (Step 934) If a bonus bet was not made, then a determination is made whether the present card point value is 13 (i.e.,a King). (Step 936) If this value is a 13 then the winning “high” bet is paid out at the higher, second-level odds of 3:2. (Step 938) On the other hand if the present card value is other than a 13 (King), then the player's “high” bet still is a winning bet, however the payout is at the lower, first-level odds of 1:1. (Step 940)

If in step 934 it is determined that a bonus bet was made, then once again a determination is made whether the present card value is 13 (King). (Step 942) If this value is a 13 then the winning “high” first bet is paid out at the higher, second-level odds of 3:2 and the bonus bet is paid out pursuant to the predetermined pay scale in a similar manner to that described above in connection with FIG. 7 a. (Step 946) On the other hand if the present card value is other than a 13 (King), then the player's “high” first bet is paid at the lower, first-level odds of 1:1, and the bonus bet is paid pursuant to the predetermined pay scale. (Step 944) Returning once again to step 910, if the present card value is equal to the present dice value (i.e., a tie), then the player loses the first bet, but any bonus bet is returned to the player, albeit without any winnings. (Step 948)

FIGS. 10 a, 10 b and 10 c illustrate yet a further alternative embodiment of a method of playing a wagering game. This embodiment has some similarities to the embodiment of FIG. 7 a in that a bonus bet option is provided in addition to the first bet. However unlike the embodiment of FIG. 7 a, this alternative embodiment does not require that any bonus bet have the same “high” or “low” status as the first bet. In other words in the embodiment of FIGS. 10 a-10 c, a player's first bet can be a “high” bet for example, and he/she nevertheless has the option of placing a bonus bet that can be designated as a “high” bet or as a “low” bet. A similar option is available when a player's first bet is a “low” bet. Depending upon whether a present card point value is higher or lower than a present dice value and upon how a player places and designates a bonus bet, this “high”/“low” bonus bet option can result in one of four outcomes: (1) both the first bet and bonus bet are losing bets; (2) the first bet wins but the bonus bet loses; (3) the first bet loses, but the bonus bet wins; or (4) both the first bet and the bonus bet are winning bets.

With the embodiment of FIGS. 10 a-10 c, a betting area layout like the betting area layout 122 of FIG. 3 b can be used. Referring again to FIG. 3 b, a “high” first bet would be placed in the high bet location 124, or a “low” first bet would be placed in the low bet location 126. The bonus bet location 128 is subdivided into two areas so that the player can designate the “high” or “low” nature of any optional bonus bet that may be desired. As previously mentioned, this bonus bet may or may not have the same “high” or “low” status as the first bet. Thus if the player opts to place a “high” bonus bet (regardless of the nature of his/her first bet), the wager would be placed in the high bonus bet location 130. Similarly if a “low” bonus bet is desired, the wager would be placed in the low bonus bet location 132. While FIG. 3 b illustrates the betting area layout 122 according to one embodiment, alternative embodiments can employ other layouts having different geometries or characteristics.

Referring still to FIGS. 10 a-10 c, a player decides whether to bet “high” or “low” and places a first bet on the betting table. (Step 1002) Next, two dice are rolled thereby generating a present dice value between 2 and 12, inclusive, which is observed by the player. (Step 1004) With knowledge of the present dice value and upon consideration of a potential payout according to a predetermined pay scale having a plurality of payout odds that vary as a function of the present dice value, the player then decides whether or not to make a second (or bonus) bet, and if so, whether to place the bet as a “high” bonus bet or a “low” bonus bet. (Step 1006) If a bonus bet is made, the player also places the wager at the appropriate location on the playing table. Again as previously mentioned, the player may designate the bonus bet to be “high” or “low” regardless of the nature of the first bet.

After the decision has been made whether to make a bonus bet and whether any such bonus bet is “high” or “low” and after any such bonus wager has been placed on the table, a single card is dealt from the deck, thereby displaying a present card point value between 1 and 13, inclusive. (Step 1008) The present card point value is compared with the present dice value, and a determination is made whether the present card point value is higher than, lower than, or tied with the present die value. (Step 1010) If the present card point value is lower than the present dice value, then a determination is made whether the player had placed a bonus bet. (Step 1012) If the player had not placed a bonus bet, then it is determined whether the player's first bet was a “low” bet. (Step 1014) If the first bet was not a “low” bet, then the first bet is lost. (Step 1016) On the other hand if the first bet was a “low” bet, then the first bet is won and paid out at the odds established by the house, such as 1:1 odds, or any other odds. (Step 1018)

If in step 1012 it was determined that a bonus bet was made, then a determination is made whether the bonus bet was a “high” bonus bet or a “low” bonus bet. (Step 1020) If the bonus bet was “high,” then a determination is made whether the first bet was a “high” or a “low” first bet. (Step 1022) If the first bet was “low,” then the player wins the first bet which is paid out at the standard, fixed odds, but he/she loses the “bonus” bet. (Step 1024) On the other hand if the first bet was “high,” then the player loses both the first bet and the bonus bet. (Step 1026) Returning to step 1020, if on the other hand the player had made a bonus bet that was “low,” then a determination is made whether the first bet was a “high” or a “low” first bet. (Step 1028) If the first bet was “high,” then the player loses the first bet, but wins the bonus bet which is paid out pursuant to the predetermined pay scale. (Step 1030) On the other hand if the first bet was “low,” then the player wins the first bet that is paid out according to the fixed odds and also wins the bonus bet that is paid out pursuant to the predetermined pay scale. (Step 1032)

Referring back to step 1010, if the present card point value is higher than the present dice value, then a determination is made whether the player had placed a bonus bet. (Step 1040) If the player had not placed a bonus bet, then it is determined whether the player's first bet was a “high” bet. (Step 1042) If the first bet was not a “high” bet, then the first bet is lost. (Step 1044) On the other hand if the first bet was a “high” bet, then the first bet is won and paid out at the fixed odds established by the house. (Step 1046)

If in step 1040 it was determined that a bonus bet was made, then a determination is made whether the bonus bet was a “high” bonus bet or a “low” bonus bet. (Step 1048) If the bonus bet was “high,” then a determination is made whether the first bet was a “high” or a “low” first bet. (Step 1050) If the first bet was “low,” then the player loses the first bet, but he/she wins the “bonus” bet which is paid out pursuant to the predetermined pay scale. (Step 1052) On the other hand if the first bet was “high,” then the player wins the first bet that is paid out at the fixed odds, and the player also wins the bonus bet that is paid out pursuant to the odds set forth in the predetermined pay scale. (Step 1054) Returning to step 1048, if on the other hand the player had made a bonus bet that was “low,” then a determination is made whether the first bet was a “high” or a “low” first bet. (Step 1056) If the first bet was “high,” then the player wins the first bet that is paid per the fixed odds, but the player loses the bonus bet. (Step 1058) On the other hand if the first bet was “low,” then the player loses both the bonus bet and the first bet. (Step 1060) Returning once again to step 1010, if the present card point value is the same as the present dice value (i.e., a tie), then the player loses the first bet, but the bonus bet is returned to the player, albeit without any winnings. (Step 1062)

FIGS. 11 a and 11 b illustrate yet a further alternative embodiment of a method of playing a wagering game. This embodiment has some similarities to the embodiment of FIG. 7 a in that a bonus bet option is provided in addition to a first bet. However in this alternative embodiment the order of the dealing of the card and the rolling of the dice are reversed. That is, in this embodiment a card is dealt after the first bet is placed. Then the player, with knowledge of a current card point value and upon consideration of a predetermined pay scale having a plurality of payout odds that vary as a function of the present card point value, decides whether to place a bonus bet. Then after the player has placed any optional bonus bet, the dice are rolled to provide a current dice value for comparison with the current card point value. When using at least one deck of standard cards and two, standard six-sided dice, the associated point value ranges for the cards and dice are such that the winning or losing nature of the first bet will be known relatively early in some instances. This will be known at a point in time prior to the bonus bet decision point and prior to the rolling of the dice, thus resulting in losing and winning scenarios at this relatively early point in time.

Referring to FIGS. 11 a and 11 b, a player decides whether to bet “high” or “low” and places a first bet on the betting table at a location on the table that designates the nature of his/her decision. (Step 1102) Next, a card is dealt face up from at least one deck of cards thereby generating a present card point value between 1 and 13, inclusive, which is observed by the player. (Step 1104) In step 1106, a determination is made whether the present card point value is 1, 2, 12 or 13 (i.e., an Ace, a Deuce, a Queen or a King). If the present card point value is a 1, 2, 12 or 13, then a determination is made whether the first bet was a “high” bet or a “low” bet. (Step 1108) If the first bet was “high,” then a determination is made whether the present card point value is 13 (a King). (Step 1110) If the present card point value is 13, then the player wins the first bet and receives a payout at a higher, second-level odds of 3:2 (Step 1116), and the game ends. (Step 1118) The game ends at this point for this player, and there is no option for him/her to place a bonus bet or benefit from any roll the dice, because it is known that there can be no dice value that will equal or exceed a value of 13 if two standard, six-sided dice are used such that they will yield a dice value between 2 and 12, inclusive.

If in step 1110 it is determined that the present card point value is not 13 (i.e., a King), then a determination is made whether the present card point value is a 1 or a 2. (Step 1112) If the present card point value is a 1 or a 2 (i.e., an Ace or a Deuce), then the player loses the first bet and the game ends. (Step 1114) For a similar reason the game ends at this point for this player, and there is no option for him/her to place a bonus bet or benefit from any roll the dice, because it is known that there can be no dice value that will be less than a value of 1 or 2 when using two standard, six-sided dice. At best there would have been a tie, which in this embodiment would still result in a loss of the first bet. If in step 1112 it was determined that the present card point value was neither a 1 or a 2, then the present card point value must be a 12 whereupon the game proceeds to a bonus bet decision (i.e., step 1126) which will be discussed in more detail below.

Returning to step 1108 if the first bet was a “low” bet, then a determination is made whether the present card point value is 1 (i.e., an Ace). (Step 1120) If the present card point value is 1, then the player wins the first bet, receives a payout at the second-level odds of 3:2 (Step 1116), and the game ends. (Step 1118) Once again the game ends relatively early at this point for this player, because it is known that there can be no dice value that be will equal to or less than a value of 1 if two standard, six-sided dice are used.

If in step 1120 it is determined that the present card point value is not 1 (i.e., an Ace), then a determination is made whether the present card point value is a 12 or a 13. (Step 1122) If the present card point value is a 12 or a 13 (i.e., a Queen or a King), then the player loses the first bet. (Step 1124) For a similar reason the game ends at this point for this player, because it is known that there can be no dice value that will be greater than a value of 12 or 13 when using two standard, six-sided dice. At best there would have been a tie, which would still result in a loss of the first bet. If in step 1122 it was determined that the present card point value was neither a 12 nor a 13, then the present card point value must be a 2 whereupon the game proceeds to the bonus bet decision (i.e., step 1126) which will be discussed in more detail below.

Referring again to step 1106, if it is determined that the present card point value is not a 1, 2, 12 or 13, then the player proceeds to the bonus bet decision step wherein he/she decides whether to make a bonus bet, and if so, how much to bet. (Step 1126) (As previously described, this decision step 1126 also can be reached from step 1112 if the present card point value was not a 1 or 2 (i.e., it was a 12), or from step 1122 if the present card point value was not a 12 or 13 (i.e., it was a 2).) If the first bet was a “high” bet, then any bonus bet likewise must be a “high” bonus bet. Similarly if the first bet was a “low” bet, then any bonus bet likewise must be a “low” bonus bet. Next, the dice are rolled (and observed) thereby generating a present die value between 2 and 12, inclusive. (Step 1128)

The present card point value is compared with the present dice value and a determination is made whether the present card point value is higher than, lower than or equal to the present dice value. (Step 1130) If the present card point value is lower than the present dice value, then a determination is made whether the first bet was a “low” bet. (Step 1132) If the first bet was not a “low” bet (i.e., the player had bet “high”), then the player loses both the first bet and any bonus bet that he/she may have opted to make. (Step 1134) On the other hand if the first bet was a “low” bet, then a determination is made whether a bonus bet was made. (Step 1136) If a bonus bet was not made, then the player wins the first bet which is paid out at the lower, first-level odds of 1:1. (Step 1140) On the other hand if a bonus bet was made, then the player not only wins the first bet (paid out at an odds of 1:1), but also wins the bonus bet which is paid out pursuant to a predetermined pay scale in a manner generally similar to that described above in connection with the embodiment of FIG. 7 a. (Step 1138)

Returning now to step 1130, if the present card point value is higher than the present dice value, then a determination is made whether the first bet was a “high” bet. (Step 1142) If the first bet was not a “high” bet, then the player loses both the first bet and any bonus bet that he/she may have opted to make. (Step 1144) On the other hand if the first bet was a “high” bet, then a determination is made whether a bonus bet was made. (Step 1136) If a bonus bet was not made, then the player wins the first bet which is paid out at the first-level odds of 1:1. (Step 1140) On the other hand if a bonus bet was made, then the player not only wins the first bet (paid out at the odds of 1:1), but also wins the bonus bet which is paid out pursuant to the predetermined pay scale. (Step 1138) Returning once again to step 1130, if the present card point value is equal to the present dice value (i.e., a tie), then the first bet is lost, but any bonus bet that might have been made is returned to the player, albeit without any winnings. (Step 1146)

In the illustrated embodiment of FIGS. 11 a and 11 b, both first-level and second-level winning odds are available for first bet winnings, depending upon whether a King or Ace is drawn and whether it is associated with a winning “high” or “low” first bet. In alternative embodiments, however, two levels of payout odds need not be used. Rather, the first bet winnings associated with the drawing of a King or Ace can be at the same odds as the first bet winnings associated with a card value that is other than a King or Ace. Thus for example the first bet winnings could be at an odds of 1:1 regardless of whether an Ace or King is drawn.

Many of the embodiments described above generally in connection with FIGS. 4 a-11 b involve a payout odds of 1:1, and in some instances a payout odds of 3:2 for winning first wagers. It will be appreciated that the invention is not limited to these payout odds only, but rather alternative embodiments can employ payout odds that are other than 1:1 and/or 3:2 for winning first wagers. Moreover, while many of the above-described embodiments involve the use of at least one standard deck of 52 playing cards, alternative styles or types of cards can be used wherein each of the cards nevertheless has indicia corresponding to a point value between 1 and 13, inclusive. Alternatively still, yet other types of cards can be used wherein each of the cards has indicia corresponding to a point value involving a different range of numbers or values. Similarly, alternative embodiments are not limited to two, standard six-sided dice. Rather these embodiments can employ two, non-standard dice, or only one standard or non-standard die, or three or more standard or non-standard dice. Also these embodiments can involve one or more dice that would yield dice values having ranges of values other than 2 through 12.

In many of the above-described embodiments, one or more dice are used for generating a generally random number for comparison with a card that is drawn from at least one deck. In alternative embodiments, however, cards can be substituted for the one or more dice in order to generate a generally random number. In one embodiment, a first deck of cards is used in lieu of the dice to generate a first card point value. A second deck of cards is used to generate a second card point value. The first and second card point values are compared to determine whether “high” and/or “low” first bets and bonus bets are winning bets (and the amounts of the payouts for any winning bonus bets), in the same fashion as the dice and card values are compared as described above for certain embodiments.

According to yet another embodiment, a first deck of cards is used in lieu of a first die and a second deck of cards is used in lieu of a second die. The first and second decks each are limited only to cards having values between 1 and 6, inclusive. One card is drawn from each of these two decks, and the face values of these two cards are added to provide a combined card point value between 2 and 12, inclusive, that substitutes for the dice value used in certain of the embodiments described above generally in connection with FIGS. 4 a -11 b. A third card is drawn from a third deck thus displaying a third card point value between 1 and 13, inclusive. (In one embodiment, this third deck comprises at least one, standard deck of 52 playing cards per deck, but alternative types or designs of cards can be used as well.) The combined card point value is compared with the third card point value to determine whether “high” and/or “low” first bets and bonus bets are winning bets and the amounts of the payouts.

In one embodiment, the first and second decks each comprises at least one each of an Ace card, a Two card, a Three card, a Four card, a Five card, and a Six card—all of which such cards have generally the same appearance as their counterparts as taken from a standard deck of 52 playing cards. Moreover, each of the first and second decks includes no cards other than the Ace, Two, Three, Four, Five and Six cards.

As previously mentioned in many of the above-described embodiments, one or more dice are used for producing a generally random number for comparison with the value of a card that is drawn from at least one deck. And in alternative embodiments, cards can be substituted for the one or more dice in order to generate a generally random number. When a plurality of players are playing with one dealer, the card or cards that are drawn from the deck(s) can apply to all players for each round of betting. Thus the same card point value(s) is applicable to all players. In alternative embodiments however, the dealer can deal the cards so that each of the plurality of players receives his/her own card(s) for each round of betting. Thus there are different card point values appearing on the table wherein each of the card point values is applicable to a different player.

The foregoing disclosure generally pertains to playing wagering games using cards and/or dice in a live table format. However the embodiments described herein can be implemented in a computing and software environment for playing in an electronic video format. The following describes an exemplary operating environment in the general context of a personal computer on which is running an operating system and one or more application programs. However it will be recognized that embodiments of the invention can be implemented with other hardware devices, such as for example hand-held devices; computerized, special-purpose gaming machines; mainframe computers; minicomputers; microprocessor-based consumer electronics; set top boxes; etc. Moreover, these computers or other devices can be interconnected so that they may communicate via a network, including a wide area network (WAN), a large area network (LAN), the Internet, etc. Such communications can be via wireless or wired connections. The one or more one software application programs can include data structures, components, applets, program modules, routines, programs, objects, etc., that can all reside on one machine, or alternatively, can be distributed over a plurality of machines, some or all of which can be in communication with one another.

FIG. 12 is a functional block diagram of a computer 1202 according to an embodiment of the invention. The computer 1202 is used to receive betting-related information and input from a player, including wagering information, bonus betting decisions, etc. The computer 1202 also provides text and images on a display relating to the playing of the wagering games, such as for example images of cards and/or dice, of playing chips or currency, pay scale odds, betting amounts, etc.

The computer 1202 includes a central processing unit (CPU) 1204, a system memory 1206, preferably including both high speed random access memory (RAM) and non-volatile memory, such as read only memory (ROM), erasable or alterable non-volatile memory (e.g., flash memory), and a mass storage device 1208, such as a hard disk drive, for storing operating system programs, data, cryptographic keys, application programs, etc. The computer 1202 further includes one or more input/output devices, including, for example, a network interface card (NIC) 1210 for wired connections and a transceiver 1222 for wireless connections, either or both of which can be for communicating with other devices via a network, such as for example the Internet.

A port 1212 for connecting to a portable device, another computer, or other peripheral device, is also included along with one or more removable media drives 1214 for reading from, and/or writing to, e.g., diskettes, compact discs, flash drives, DVDs, or other computer readable media. User interfaces include a display screen controller 1216 and a plurality of input and output devices 1218, such as, for example, a keyboard, a mouse, a touch screen, a microphone, a sound generator, and a joystick, as well as specialized, gaming-related input/output devices such as currency or playing chip receivers (e.g., coin hoppers, coin acceptors, bill validators, etc.), credit/debit card readers, currency or playing chip dispensers, ticket printers or dispensers, player controls, etc. A bi-directional bus 1220 interconnects the above-described components of the system.

The operation of the computer 1202 is controlled primarily by programs contained in the system memory 1206 and executed by the CPU 1204. These programs include program modules for accepting input data and for processing the input data in accordance with the embodiments of the invention described herein. For example, the program includes one or more program modules for receiving betting amount and decision inputs from a player via one or more of the various input/output devices 1218, and for providing the player with text and images of cards, dice, betting odds, betting status, payout information, etc. via the display controller 1216. It will be appreciated, however, that some or all of the functionality of these program modules could be readily implemented in hardware without departing from the principles of the present inventions.

In view of the above, it will be appreciated that embodiments of the invention provide an enjoyable wagering game that allows a player to bet on the outcome of a comparison of a numerical value determined by a roll of dice and another numerical value determined by a card drawn from a deck. The player wagers that the card value either will be higher or lower than the numerical dice value. An optional secondary or “bonus” wager can be made after the dice are rolled, but before the card is drawn from the deck. The payout on the bonus wager has the potential of being a high multiple of the wager, depending upon the numerical dice value and the resulting probability that the upcoming card value will be greater or lower than the dice value.

While the description above refers to particular embodiments of the present invention, it will be understood that many modifications may be made without departing from the spirit thereof. The claims are intended to cover such modifications as would fall within the true scope and spirit of the present invention. The presently disclosed embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the claims rather than the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. 

1. A method of playing a wagering game, comprising: establishing a first wager based upon a first prediction of one of a first game outcome and a second game outcome, wherein the first game outcome is a future card point value being less than a future die value, and wherein the second game outcome is the future card point value being greater than the future die value; rolling at least one die thereby generating a present die value; dealing a card thereby displaying a present card point value; paying the first wager if the present card point value is less than the present die value and if the first prediction is the first game outcome; and paying the first wager if the present card point value is greater than the present die value and if the first prediction is the second game outcome.
 2. The method of claim 1 wherein the present die value is a value between 2 and 12, inclusive.
 3. The method of claim 2 wherein rolling the at least one die comprises rolling two dice each having six faces numbered one to six.
 4. The method of claim 1 wherein dealing the card includes dealing the card from at least one deck of a plurality of cards, and wherein each one of the plurality of cards has a point value between 1 and 13, inclusive.
 5. The method of claim 4 wherein the at least one deck of a plurality of cards comprises at least one standard deck of 52 playing cards.
 6. The method of claim 1 further comprising taking the first wager if the present card value is equal to the present die value.
 7. The method of claim 1 further comprising returning the first wager if the present card value is equal to the present die value, wherein paying the first wager if the present card point value is less than the present die value and if the first prediction is the first game outcome, includes paying the first wager minus a commission, and wherein paying the first wager if the present card point value is greater than the present die value and if the first prediction is the second game outcome, includes paying the first wager minus the commission.
 8. The method of claim 7 wherein dealing the card includes dealing the card from at least one standard deck of 52 playing cards wherein each one of the plurality of cards has a point value between 1 and 13, inclusive, and wherein rolling the at least one die comprises rolling two dice each having six faces numbered one to six.
 9. The method of claim 7 wherein paying the first wager minus the commission includes paying the first wager at a payout odds of 1:1 minus the commission.
 10. The method of claim 1 wherein the present die value is a value between 2 and 12, inclusive, wherein dealing the card includes dealing the card from at least one deck of a plurality of cards, wherein each one of the plurality of cards has a point value between 1 and 13, inclusive, wherein paying the first wager if the present card point value is less than the present die value and if the first prediction is the first game outcome, includes paying the first wager at a first-level odds if the present card point value is other than a value of 1, and wherein paying the first wager if the present card point value is greater than the present die value and if the first prediction is the second game outcome, includes paying the first wager at the first-level odds if the present card point value is other than a value of 13, the method further comprising: paying the first wager at a second-level odds if the present card point value is equal to 1 and if the first prediction is the first game outcome; and paying first wager at the second-level odds if the present card point value is equal to 13 and if the first prediction is the second game outcome, wherein the second-level odds is greater than the first-level odds.
 11. The method of claim 10 wherein the first-level odds is 1:1 and wherein the second-level odds is 3:2.
 12. The method of claim 10 further comprising taking the first wager if the present card value is equal to the present die value.
 13. The method of claim 10 wherein the at least one deck of a plurality of cards comprises at least one standard deck of 52 playing cards, and wherein rolling the at least one die comprises rolling two dice each having six faces numbered one to six.
 14. The method of claim 1 further comprising: providing an option to establish a second wager, wherein the providing of the option occurs after the rolling of the at least one die and prior to the dealing of the card; paying the second wager if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the first game outcome, wherein the second wager is paid out in accordance with a predetermined pay scale having a plurality of payout odds that vary as a function of the present die value; and paying the second wager if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the second game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale.
 15. The method of claim 14 further comprising: taking the first wager if the present card value is equal to the present die value; and returning the second wager if the option was exercised and if the present card value is equal to the present die value.
 16. The method of claim 14 wherein the present die value is a value between 2 and 12, inclusive, and wherein dealing the card includes dealing the card from at least one deck of a plurality of cards, and wherein each one of the plurality of cards has a point value between 1 and 13, inclusive.
 17. The method of claim 16 wherein rolling the at least one die comprises rolling two dice each having six faces numbered one to six, and wherein the at least one deck of a plurality of cards comprises at least one standard deck of 52 playing cards.
 18. The method of claim 14 further comprising: returning the first wager if the present card value is equal to the present die value, and returning the second wager if the present card value is equal to the present die value and if the option was exercised, wherein paying the first wager if the present card point value is less than the present die value and if the first prediction is the first game outcome, includes paying the first wager minus a commission, and wherein paying the first wager if the present card point value is greater than the present die value and if the first prediction is the second game outcome, includes paying the first wager minus the commission.
 19. The method of claim 18 wherein paying the first wager minus the commission includes paying the first wager at a payout odds of 1:1 minus the commission.
 20. The method of claim 18 wherein dealing the card includes dealing the card from at least one standard deck of 52 playing cards wherein each one of the plurality of cards has a point value between 1 and 13, inclusive, and wherein rolling the at least one die comprises rolling two dice each having six faces numbered one to six.
 21. The method of claim 14 wherein the present die value is a value between 2 and 12, inclusive, wherein dealing the card includes dealing the card from at least one deck of a plurality of cards, wherein each one of the plurality of cards has a point value between 1 and 13, inclusive, wherein the paying of the first wager if the present card point value is less than the present die value and if the first prediction is the first game outcome, includes paying the first wager at a first-level odds if the present card point value is other than a value of 1, and wherein the paying of the first wager if the present card point value is greater than the present die value and if the first prediction is the second game outcome, includes paying the first wager at the first-level odds if the present card point value is other than a value of 13, the method further comprising: paying the first wager at a second-level odds if the present card point value is equal to 1 and if the first prediction is the first game outcome; and paying the first wager at the second-level odds if the present card point value is equal to 13 and if the first prediction is the second game outcome, wherein the second-level odds is greater than the first-level odds.
 22. The method of claim 21 wherein the at least one deck of the plurality of cards comprises at least one standard deck of 52 playing cards, and wherein rolling the at least one die comprises rolling two dice each having six faces numbered one to six.
 23. The method of claim 21 wherein the first-level odds is 1:1 and wherein the second-level odds is 3:2.
 24. The method of claim 21 further comprising: returning the second wager if the present card value is equal to the present die value and if the option was exercised; and taking the first wager if the present card value is equal to the present die value.
 25. A method of playing a wagering game, comprising: establishing a first wager based upon a first prediction of one of a first game outcome and a second game outcome, wherein the first game outcome is a future card point value being less than a future die value, and wherein the second game outcome is the future card point value being greater than the future die value; rolling at least one die thereby generating a present die value; providing an option to establish a second wager based upon a second prediction of one of the first game outcome and the second game outcome; dealing a card thereby displaying a present card point value; paying the first wager if the present card point value is less than the present die value and if the first prediction is the first game outcome and if the option was not exercised; paying the first wager and the second wager if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the first game outcome and if the second prediction is the first outcome, wherein the second wager is paid out in accordance with a predetermined pay scale having a plurality of payout odds that vary as a function of the present die value; paying the first wager and taking the second wager if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the first game outcome and if the second prediction is the second game outcome; paying the second wager and taking the first wager if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the second game outcome and if the second prediction is the first game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale; paying the first wager if the present card point value is greater than the present die value and if the first prediction is the second game outcome and if the option was not exercised; paying the first wager and the second wager if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the second game outcome and if the second prediction is the second game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale; paying the first wager and taking the second wager if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the second game outcome and if the second prediction is the first game outcome; and paying the second wager and taking the first wager if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the first game outcome and if the second prediction is the second game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale.
 26. The method of claim 25 further comprising taking the first wager and returning the second wager if the option was exercised and if the present card point value is equal to the present die value.
 27. The method of claim 25 further comprising taking the first wager if the option was not exercised and if the present card point value is equal to the present die value.
 28. The method of claim 25 wherein the present die value is a value between 2 and 12, inclusive.
 29. The method of claim 28 wherein the rolling of the at least one die comprises rolling two dice each having six faces numbered one to six.
 30. The method of claim 25 wherein dealing the card includes dealing the card from at least one deck of a plurality of cards, and wherein each one of the plurality of cards has a point value between 1 and 13, inclusive.
 31. The method of claim 30 wherein the at least one deck of the plurality of cards comprises at least one standard deck of 52 playing cards.
 32. A method of playing a wagering game, comprising: establishing a first wager based upon a first prediction of one of a first game outcome and a second game outcome, wherein the first game outcome is a future card point value being less than a future die value, and wherein the second game outcome is the future card point value being greater than the future die value, dealing a card from at least one deck thereby displaying a present card point value, wherein the at least one deck includes a plurality of cards, and wherein each one of the plurality of cards has a point value between 1 and 13, inclusive; paying the first wager if the present card point value is equal to 1 and if the first prediction is the first game outcome; paying the first wager if the present card point value is equal to 13 and if the first prediction is the second game outcome; taking the first wager if the present card point value is equal to one of 12 and 13 if the first prediction is the first game outcome; taking the first wager if the present card point value is equal to one of 1 and 2 if the first prediction is the second game outcome; providing an option to establish a second wager if the present card point value is other than any one value of 1, 12 and 13, and if the first prediction is the first game outcome, wherein the providing of the option occurs after the dealing of the card; providing the option to establish the second wager if the present card point value is other than any one value of 1, 2 and 13, and if the first prediction is the second game outcome, wherein the providing of the option occurs after the dealing of the card; rolling at least one die if the present card point value is other than any one value of 1, 12 and 13, and if the first prediction is the first game outcome, wherein the rolling of the at least one die generates a present die value between 2 and 12, inclusive; rolling the at least one die if the present card point value is other than any one value of 1, 2 and 13, and if the first prediction is the second game outcome, wherein the rolling of the at least one die generates a present die value between 2 and 12, inclusive; paying the first wager after the rolling of the at least one die if the present card point value is less than the present die value and is other than a value of 1 and if the first prediction is the first game outcome; paying the first wager after the rolling of the at least one die if the present card point value is greater than the present die value and is other than a value of 13 and if the first prediction is the second game outcome; paying the second wager if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the first game outcome, wherein the second wager is paid out in accordance with a predetermined pay scale having a plurality of payout odds that vary as a function of the present card point value; and paying the second wager if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the second game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale.
 33. The method of claim 32 wherein the at least one deck comprises at least one standard deck of 52 playing cards, and wherein rolling the at least one die comprises rolling two dice each having six faces numbered one to six.
 34. The method of claim 32 further comprising: returning the second wager if the present card point value is equal to the present die value and if the option was exercised; and taking the first wager if the present card point value is equal to the present die value.
 35. The method of claim 32 wherein paying the first wager if the present card point value is equal to 1 and if the first prediction is the first game outcome includes paying the first wager at a second-level odds; wherein paying the first wager if the present card point value is equal to 13 and if the first prediction is the second game outcome includes paying the first wager at the second-level odds; wherein paying the first wager after the rolling of the at least one die if the present card point value is less than the present die value and is other than a value of 1 and if the first prediction is the first game outcome, includes paying the first wager at a first-level odds; and wherein paying the first wager after the rolling of the at least one die if the present card point value is greater than the present die value and is other than a value of 13 and if the first prediction is the second game outcome, includes paying the first wager at the first-level odds, wherein the second-level odds is greater than the first-level odds.
 36. The method of claim 35 wherein the first-level odds is 1:1 and wherein the second-level odds is 3:2.
 37. A method of playing a wagering game, comprising: establishing a first wager based upon a first prediction of one of a first game outcome and a second game outcome, wherein the first game outcome is a future third card point value being less than a future combined card point value, and wherein the second game outcome is the future third card point value being greater than the future combined card point value; dealing a first card from a first deck thereby displaying a first card point value between 1 and 6, inclusive; dealing a second card from a second deck thereby displaying a second card point value between 1 and 6, inclusive, wherein the sum of the first card point value and the second card point value is a present combined card point value; dealing a third card from a third deck thereby displaying a present third card point value between 1 and 13, inclusive; paying the first wager if the present third card point value is less than the present combined card point value and if the first prediction is the first game outcome; and paying the first wager if the present third card point value is greater than the present combined card point value and if the first prediction is the second game outcome.
 38. The method of claim 37, wherein the first deck and the second deck each comprises at least one each of an Ace card, a Two card, a Three card, a Four card, a Five card, and a Six card, and wherein the first deck and the second deck include no cards other than the at least one Ace card, the at least one Two card, the at least one Three card, the at least one Four card, the at least one Five card, and the at least one Six card.
 39. The method of claim 37 wherein the third deck comprises at least one standard deck of 52 playing cards.
 40. The method of claim 37 further comprising taking the first wager if the present third card point value is equal to the present combined card point value.
 41. The method of claim 37 further comprising returning the first wager if the present third card point value is equal to the present combined card point value, wherein paying the first wager if the present third card point value is less than the present combined card point value and if the first prediction is the first game outcome, includes paying the first wager minus a commission, and wherein paying the first wager if the present third card point value is greater than the present combined card point value and if the first prediction is the second game outcome, includes paying the first wager minus the commission.
 42. The method of claim 41, wherein the first deck and the second deck each comprises at least one each of an Ace card, a Two card, a Three card, a Four card, a Five card, and a Six card, and wherein the first deck and the second deck include no cards other than the at least one Ace card, the at least one Two card, the at least one Three card, the at least one Four card, the at least one Five card, and the at least one Six card.
 43. The method of claim 41 wherein the third deck comprises at least one standard deck of 52 playing cards.
 44. The method of claim 41 wherein paying the first wager minus the commission includes paying the first wager at a payout odds of 1:1 minus the commission.
 45. The method of claim 37 wherein paying the first wager if the present third card point value is less than the present combined card point value and if the first prediction is the first game outcome, includes paying the first wager at a first-level odds if the present third card point value is other than a value of 1, and wherein paying the first wager if the present third card point value is greater than the present combined card point value and if the first prediction is the second game outcome, includes paying the first wager at the first-level odds if the present third card point value is other than a value of 13, the method further comprising: paying the first wager at a second-level odds if the present third card point value is equal to 1 and if the first prediction is the first game outcome; and paying first wager at the second-level odds if the present third card point value is equal to 13 and if the first prediction is the second game outcome, wherein the second-level odds is greater than the first-level odds.
 46. The method of claim 45 wherein the first-level odds is 1:1 and wherein the second-level odds is 3:2.
 47. The method of claim 45 further comprising taking the first wager if the present third card point value is equal to the present combined card point value.
 48. The method of claim 45, wherein the first deck and the second deck each comprises at least one each of an Ace card, a Two card, a Three card, a Four card, a Five card, and a Six card, and wherein the first deck and the second deck include no cards other than the at least one Ace card, the at least one Two card, the at least one Three card, the at least one Four card, the at least one Five card, and the at least one Six card.
 49. The method of claim 45 wherein the third deck comprises at least one standard deck of 52 playing cards.
 50. The method of claim 37 further comprising: providing an option to establish a second wager, wherein the providing of the option occurs after dealing the first card and the second card and prior to dealing the third card; paying the second wager if the option was exercised and if the present third card point value is less than the present combined card point value and if the first prediction is the first game outcome, wherein the second wager is paid out in accordance with a predetermined pay scale having a plurality of payout odds that vary as a function of the present combined card point value; and paying the second wager if the option was exercised and if the present third card point value is greater than the present combined card point value and if the first prediction is the second game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale.
 51. The method of claim 50 further comprising: taking the first wager if the present third card point value is equal to the present combined card point value; and returning the second wager if the option was exercised and if the present third card point value is equal to the present combined card point value.
 52. The method of claim 50, wherein the first deck and the second deck each comprises at least one each of an Ace card, a Two card, a Three card, a Four card, a Five card, and a Six card, and wherein the first deck and the second deck include no cards other than the at least one Ace card, the at least one Two card, the at least one Three card, the at least one Four card, the at least one Five card, and the at least one Six card.
 53. The method of claim 50 wherein the third deck comprises at least one standard deck of 52 playing cards.
 54. The method of claim 50 further comprising: returning the first wager if the present third card point value is equal to the present combined card point value, and returning the second wager if the present third card point value is equal to the present combined card point value and if the option was exercised, wherein paying the first wager if the present third card point value is less than the present combined card point value and if the first prediction is the first game outcome, includes paying the first wager minus a commission, wherein paying the first wager if the present third card point value is greater than the present combined card point value and if the first prediction is the second game outcome, includes paying the first wager minus the commission.
 55. The method of claim 54 wherein paying the first wager minus the commission includes paying the first wager at a payout odds of 1:1 minus the commission.
 56. The method of claim 54, wherein the first deck and the second deck each comprises at least one each of an Ace card, a Two card, a Three card, a Four card, a Five card, and a Six card, and wherein the first deck and the second deck include no cards other than the at least one Ace card, the at least one Two card, the at least one Three card, the at least one Four card, the at least one Five card, and the at least one Six card.
 57. The method of claim 54 wherein the third deck comprises at least one standard deck of 52 playing cards.
 58. The method of claim 50 wherein paying the first wager if the present third card point value is less than the present combined card point value and if the first prediction is the first game outcome, includes paying the first wager at a first-level odds if the present third card point value is other than a value of 1, and wherein paying the first wager if the present third card point value is greater than the present combined card point value and if the first prediction is the second game outcome, includes paying the first wager at the first-level odds if the present third card point value is other than a value of 13, the method further comprising: paying the first wager at a second-level odds if the present third card point value is equal to 1 and if the first prediction is the first game outcome; and paying the first wager at the second-level odds if the present third card point value is equal to 13 and if the first prediction is the second game outcome, wherein the second-level odds is greater than the first-level odds.
 59. The method of claim 58, wherein the first deck and the second deck each comprises at least one each of an Ace card, a Two card, a Three card, a Four card, a Five card, and a Six card, and wherein the first deck and the second deck include no cards other than the at least one Ace card, the at least one Two card, the at least one Three card, the at least one Four card, the at least one Five card, and the at least one Six card.
 60. The method of claim 58 wherein the third deck comprises at least one standard deck of 52 playing cards.
 61. The method of claim 58 wherein the first-level odds is 1:1 and wherein the second-level odds is 3:2.
 62. The method of claim 58 further comprising: returning the second wager if the present third card point value is equal to the present combined card point value and if the option was exercised; and taking the first wager if the present third card point value is equal to the present combined card point value.
 63. An article of manufacture for use in playing a wagering game and for use by a device having a processing unit, said article of manufacture comprising at least one computer usable media including at least one computer program embedded therein for use by the device, the at least one computer program being adapted to cause the device to perform: establishing a first wager based upon a first prediction of one of a first game outcome and a second game outcome, wherein the first game outcome is a future card point value being less than a future die value, and wherein the second game outcome is the future card point value being greater than the future die value; displaying at least one die showing a present die value; displaying a card showing a present card point value; paying the first wager if the present card point value is less than the present die value and if the first prediction is the first game outcome; and paying the first wager if the present card point value is greater than the present die value and if the first prediction is the second game outcome.
 64. The article of manufacture of claim 63 wherein the at least one computer program is further adapted to cause the device to perform: providing an option to establish a second wager, wherein the providing of the option occurs after the displaying of the at least one die and prior to the displaying of the card; paying the second wager if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the first game outcome, wherein the second wager is paid out in accordance with a predetermined pay scale having a plurality of payout odds that vary as a function of the present die value; and paying the second wager if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the second game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale.
 65. An article of manufacture for use in playing a wagering game and for use by a device having a processing unit, said article of manufacture comprising at least one computer usable media including at least one computer program embedded therein for use by the device, the at least one computer program being adapted to cause the device to perform: establishing a first wager based upon a first prediction of one of a first game outcome and a second game outcome, wherein the first game outcome is a future card point value being less than a future die value, and wherein the second game outcome is the future card point value being greater than the future die value, displaying a card showing a present card point value between 1 and 13, inclusive; paying the first wager if the present card point value is equal to 1 and if the first prediction is the first game outcome; paying first wager if the present card point value is equal to 13 and if the first prediction is the second game outcome; taking the first wager if the present card point value is equal to one of 12 and 13 if the first prediction is the first game outcome; taking the first wager if the present card point value is equal to one of 1 and 2 if the first prediction is the second game outcome; providing an option to establish a second wager if the present card point value is other than any one value of 1, 12 and 13 and if the first prediction is the first game outcome, wherein the providing of the option occurs after the displaying of the card; providing the option to establish the second wager if the present card point value is other than any one value of 1, 2 and 13 and if the first prediction is the second game outcome, wherein the providing of the option occurs after the displaying of the card; displaying at least one die showing a present die value if the present card point value is other than any one value of 1, 12 and 13 and if the first prediction is the first game outcome, wherein the present die value is between 2 and 12, inclusive; displaying the at least one die showing the present die value if the present card point value is other than any one value of 1, 2 and 13 and if the first prediction is the second game outcome, wherein the present die value is between 2 and 12, inclusive; paying the first wager after the displaying of the at least one die if the present card point value is less than the present die value and is other than a value of 1 and if the first prediction is the first game outcome; paying the first wager after the displaying of the at least one die if the present card point value is greater than the present die value and is other than a value of 13 and if the first prediction is the second game outcome; paying the second wager if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the first game outcome, wherein the second wager is paid out in accordance with a predetermined pay scale having a plurality of payout odds that vary as a function of the present card point value; and paying the second wager if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the second game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale.
 66. An article of manufacture for use in playing a wagering game and for use by a device having a processing unit, said article of manufacture comprising at least one computer usable media including at least one computer program embedded therein for use by the device, the at least one computer program being adapted to cause the device to perform: establishing a first wager based upon a first prediction of one of a first game outcome and a second game outcome, wherein the first game outcome is a future card point value being less than a future die value, and wherein the second game outcome is the future card point value being greater than the future die value; displaying at least one die showing a present die value between 2 and 12, inclusive; providing an option to establish a second wager based upon the first prediction, wherein the providing of the option occurs after the displaying of the at least one die; displaying a card showing a present card point value between 1 and 13, inclusive, wherein the displaying of the card occurs after the providing of the option; paying the first wager at a first-level odds if the present card point value is less than the present die value and if the first prediction is the first game outcome and if the present card point value is other than a value of 1; paying the first wager at a second-level odds if the present card point value is equal to 1 and if the first prediction is the first game outcome; paying the second wager if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the first game outcome, wherein the second wager is paid out in accordance with a predetermined pay scale having a plurality of payout odds that vary as a function of the present die value; paying the first wager at the first-level odds if the present card point value is other than a value of 13 and if the present card point value is greater than the present die value and if the first prediction is the second game outcome; paying first wager at the second-level odds if the present card point value is equal to 13 and if the first prediction is the second game outcome; and paying the second wager if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the second game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale, wherein the second-level odds is greater than the first-level odds.
 67. A system for use in playing a wagering game, comprising: a device having a processing unit capable of executing at least one software routine; and programming logic executed by the processing unit comprising: means for establishing a first wager based upon a first prediction of one of a first game outcome and a second game outcome, wherein the first game outcome is a future card point value being less than a future die value, and wherein the second game outcome is the future card point value being greater than the future die value; means for displaying at least one die showing a present die value; means for displaying a card showing a present card point value; means for paying the first wager if the present card point value is less than the present die value and if the first prediction is the first game outcome; and means for paying the first wager if the present card point value is greater than the present die value and if the first prediction is the second game outcome.
 68. The system of claim 67 wherein the programming logic further comprises: means for providing an option to establish a second wager, wherein the providing of the option occurs after the displaying of the at least one die and prior to the displaying of the card; means for paying the second wager if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the first game outcome, wherein the second wager is paid out in accordance with a predetermined pay scale having a plurality of payout odds that vary as a function of the present die value; and means for paying the second wager if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the second game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale.
 69. A system for use in playing a wagering game, comprising: a device having a processing unit capable of executing at least one software routine; and programming logic executed by the processing unit comprising: means for establishing a first wager based upon a first prediction of one of a first game outcome and a second game outcome, wherein the first game outcome is a future card point value being less than a future die value, and wherein the second game outcome is the future card point value being greater than the future die value, means for displaying a card showing a present card point value between 1 and 13, inclusive; means for paying the first wager if the present card point value is equal to 1 and if the first prediction is the first game outcome; means for paying the first wager if the present card point value is equal to 13 and if the first prediction is the second game outcome; means for taking the first wager if the present card point value is equal to one of 12 and 13 if the first prediction is the first game outcome; means for taking the first wager if the present card point value is equal to one of 1 and 2 if the first prediction is the second game outcome; means for providing an option to establish a second wager if the present card point value is other than any one value of 1, 12 and 13, and if the first prediction is the first game outcome, wherein the providing of the option occurs after the displaying of the card; means for providing the option to establish the second wager if the present card point value is other than any one value of 1, 2 and 13, and if the first prediction is the second game outcome, wherein the providing of the option occurs after the displaying of the card; means for displaying at least one die showing a present die value if the present card point value is other than any one value of 1, 12 and 13, and if the first prediction is the first game outcome, wherein the present die value is between 2 and 12, inclusive; means for displaying the at least one die showing the present die value if the present card point value is other than any one value of 1, 2 and 13, and if the first prediction is the second game outcome, wherein the present die value is between 2 and 12, inclusive; means for paying the first wager after the displaying of the at least one die if the present card point value is less than the present die value and is other than a value of 1 and if the first prediction is the first game outcome; means for paying the first wager after the displaying of the at least one die if the present card point value is greater than the present die value and is other than a value of 13 and if the first prediction is the second game outcome; means for paying the second wager if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the first game outcome, wherein the second wager is paid out in accordance with a predetermined pay scale having a plurality of payout odds that vary as a function of the present card point value; and means for paying the second wager if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the second game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale.
 70. A system for use in playing a wagering game, comprising: a device having a processing unit capable of executing at least one software routine; and programming logic executed by the processing unit comprising: means for establishing a first wager based upon a first prediction of one of a first game outcome and a second game outcome, wherein the first game outcome is a future card point value being less than a future die value, and wherein the second game outcome is the future card point value being greater than the future die value; means for displaying at least one die showing a present die value between 2 and 12, inclusive; means for providing an option to establish a second wager, wherein the providing of the option occurs after the displaying of the at least one die; means for displaying a card showing a present card point value between 1 and 13, inclusive, wherein the displaying of the card occurs after the providing of the option; means for paying the first wager at a first-level odds if the present card point value is less than the present die value and if the first prediction is the first game outcome and if the present card point value is other than a value of 1; means for paying the first wager at a second-level odds if the present card point value is equal to 1 and if the first prediction is the first game outcome; means for paying the second wager if the option was exercised and if the present card point value is less than the present die value and if the first prediction is the first game outcome, wherein the second wager is paid out in accordance with a predetermined pay scale having a plurality of payout odds that vary as a function of the present die value; means for paying the first wager at the first-level odds if the present card point value is other than a value of 13 and if the present card point value is greater than the present die value and if the first prediction is the second game outcome; means for paying first wager at the second-level odds if the present card point value is equal to 13 and if the first prediction is the second game outcome; and means for paying the second wager if the option was exercised and if the present card point value is greater than the present die value and if the first prediction is the second game outcome, wherein the second wager is paid out in accordance with the predetermined pay scale, wherein the second-level odds is greater than the first-level odds. 